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Would you mind disclosing which lender you went with to get 2.0%? Are you paying points? I'm using Better.com for a refi in CA also but the "best" I can get is 2.625% with 0.053% ($330) in closing costs. They don't even list 2.0%

Edit: Better.com is actually listing 2.0% rates but with $9,100 in points, based on my property and location in CA.

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SemperHome. I locked the rate back in October and the closing took over two months, but they delivered the rate I wanted. No points either.

Also, the rates have gone up since then, I keep getting Zillow alerts about it.

Better is gonna give you pretty high rates -- try shopping with a local lender.

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